A new survey of older Americans has found that 684,000 aged 50 and over were either in foreclosure or were delinquent in mortgage payments. The AARP Public Policy Institute notes that is more than a quarter of all foreclosures or delinquencies (28.1%). The AARP study also showed that African-Americans and Hispanics are disproportionately affected in comparison with whites in their age group. Among mortgage holders aged 50 and over, African American and Hispanic borrowers both have foreclosure rates of 0.51%, compared to a rate of 0.19% for Caucasians. Older holders of subprime first mortgages are 17 times more likely to be in foreclosure than are older holders of prime loans. Additionally, older Americans are clearly vulnerable to the continuing mortgage crisis, the foreclosure rate at the end of last year for people aged 50 and over was 0.24%, compared with a total all-age U.S. average of 0.39%.